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Discover the best student loans for Columbia University

There’s not much better than an Ivy League education in Manhattan, as thousands of blue and white-clad residents of Morningside Heights can attest. Earnest helps Columbia students and grads finance their education with smart, affordable student loans. Please note, Columbia is not affiliated with Earnest and does not endorse Earnest's loans.


From the Low Steps to high achievement

Columbia prepares students for a bright and successful future

Formerly known as King’s College, Columbia consistently ranks as one of the top five universities in America, with hundreds of highly-recruited MBA, JD, and M.Arch grads entering the workforce each year. Additionally, graduates of the School of the Arts are some of the most accomplished writers and directors in Hollywood.

Columbia University has a beautiful campus in Morningside Heights with its own subway station at 116th St., granting students easy access between classes and the city. With alumni like President Barack Obama and billionaire investor Warren Buffett – you’re in great company as a Columbia graduate.

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Investing in your future

Earnest student loans and student loan refinancing

Columbia Alumni
Earnest has created a seamless student loan consolidation and refinancing experience for Columbia grads. We offer rates based on your unique financial profile and let you customize your payments to match your preferred budget and timeline. No matter whether you’re headed to the boardroom, the operating room, or the courtroom, we’ll keep you moving in the right direction.

Columbia Students
Columbia is dedicated to removing financial barriers to world-class education—students whose parents have a combined income under $60K per year don’t have to pay tuition or room and board. We encourage you to contact the Columbia Financial Aid Office to learn more about Columbia scholarships, grants, jobs, and other ways to ensure you leave Morningside Heights with lasting memories – not lasting debt. 

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Common questions about Columbia student loan refinancing

Get the facts before making any decisions

How should I choose a student loan refinancing provider?

When comparing loans, take into account the rates you’re offered, as well as factors like flexibility and customer service from the loan provider. Many companies will outsource your loan servicing.

Which type of loans can I refinance?

You can refinance both Federal and private student loans with Earnest. You’ll effectively consolidate all your loans into one new, lower rate Earnest loan.

What are the benefits of refinancing my student loan(s)?

Many people are able to refinance into much lower interest rates, saving them thousands, if not tens of thousands, of dollars. In addition, Earnest offers in-house support for the life of your loan and a seamless technology platform to manage your loan.

Can I refinance loans that have previously been consolidated or refinanced?

Yes. Previous refinancing or consolidation does not affect the eligibility of your application.

Who should consider refinancing with Earnest?

Refinancing is a great solution for employed or soon-to-be-employed graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private loans.

What is the difference between consolidation and refinancing?

Consolidation simply combines multiple student loans into one. That means one monthly payment instead of having to juggle many different ones, sometimes with multiple servicers. When you consolidate, your interest rate will be a weighted average of the interest rates on the loans you combine. You won’t save money— but it can make life easier by reducing the amount of time you spend managing different payments.

Refinancing can be done with one loan or several, and involves getting a new loan with a different (usually lower) rate than before, due to changes in your financial situation. When you refinance, you typically work with a company to pay off the original loan(s) and get a new unified loan at a lower rate.

Recommended reading for Columbia students

Get the latest information on student loans

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Refinancing is easier with Earnest

Rather than looking at student loans as a ball and chain, we see them as a balloon—lifting students to new heights, and enabling incredible opportunities and achievements. Through innovative data science we make that balloon as light as possible, saving clients thousands on every loan. And with exceptional service, we ensure our clients make decisions with confidence. At Earnest, we seek to offer a student loan like no other.